The Zillenial Advisors LLC

Item 5. Fees and Compensation

Zillennial charges fees at two separate levels, which are independent and additive:

Platform Subscription Fees (Tier 1)

Access to the Parity platform and Savvy advisory interface requires a monthly subscription. Upon
enrollment, each [new] client receives a complimentary fourteen (14) day trial period with full
platform access at no charge. During enrollment, each such [new] client provides a valid
payment method that the Adviser will keep on file. No charges are assessed during the trial
period.

At or before the conclusion of the trial period, the client must select one of the following
subscription tiers:

 Subscription Tier                                   Monthly Fee (Effective August 1, 2026)

 Premium                                             $12.99/month

 Growth                                            $9.99/month

 Starter (downgrade option)                        $0/month

Each paid tier provides access to Parity and Savvy. The Starter tier is a downgrade option under
which the client continues to receive ongoing financial planning and investment advisory services
and, if separately elected, ongoing portfolio management and trade execution services, together
with access to account information, historical records, and investment strategy matching. Under
the Starter tier, the client’s access to Parity, Savvy, and other platform features continues at a
limited scope of usage; these services are reduced in scope, not eliminated. Portfolio
management fees described below continue to apply to any Starter-tier client who has separately
elected portfolio management. If the client does not select a subscription tier by the end of the
trial period, platform access to advisory services will default to the Starter tier unless another
selection is made.

Subscription fees are billed monthly to the client’s payment method on file through Stripe, Inc.,
the Adviser’s third-party payment processor. Stripe processing fees may apply and may be
passed through to the client in amounts as disclosed to each client at enrollment.

Portfolio Management Fees (Tier 2)

Clients who separately elect portfolio management and trade execution services (“Invest Now”)
are charged according to the following schedule:

 AUM Range                             Annual Rate

 Up to $100,000                        0.75%

 $100,001 – $250,000                   0.60%

 $250,001 – $1,000,000                 0.45%

 $1,000,001 – $2,000,000               0.35%

 Above $2,000,000                      0.25%

Portfolio management fees are:

       • Calculated on average daily balance
       • Billed monthly in arrears
       • For accounts with $3,000 or more in assets under management, deducted directly from
       the client’s brokerage account at Interactive Brokers LLC; for accounts with less than
       $3,000 in assets under management, collected through Stripe, Inc.
       • Subject to Interactive Brokers’ advisory fee deduction cap of 3% of account value per
       year
       • Separate from and in addition to subscription fees
       • Visible to clients on both the Parity platform and custodian statements

       • Subject to semi-annual accuracy review by the CCO
       • First month’s fees prorated based on enrollment date

No performance-based fees are charged. Fees are charged regardless of trading activity.

Clients should be aware that the portfolio management fee and the platform subscription fee are
separate and additive, and that together they represent the total cost of the Adviser's services.
Because the subscription fee is a fixed monthly amount, it constitutes a higher percentage of
assets for clients with smaller portfolios. For example, following the effective date specified
above, a client with $5,000 in assets under management who elects portfolio management would
pay approximately $37.50 per year in portfolio management fees (0.75%). A client on the Growth
plan ($9.99/month) would pay an additional $119.88 per year in subscription fees, for a combined
annual cost of approximately $157, or roughly 3.1% of assets. A client on the Premium plan
($12.99/month) would pay an additional $155.88 per year in subscription fees, for a combined
annual cost of approximately $193, or roughly 3.9% of assets. The combined cost represents a
higher percentage of assets for smaller accounts and may make the Adviser's services less
economical for such clients. The portfolio management fee deducted from the client's Interactive
Brokers account is subject to a cap of 3% of account value per year imposed by Interactive
Brokers LLC. This cap applies only to the portfolio management fee deducted by Interactive
Brokers and does not apply to platform subscription fees, which are billed separately through
Stripe, Inc. The Adviser does not control the amount of the cap imposed by Interactive Brokers.

Promotional and Modified Fee Arrangements

The Adviser may, at its sole discretion, offer promotional pricing, reduced-fee periods,
complimentary access, referral-based fee adjustments, partner-sponsored access, access
codes, or other fee modifications to any client or category of clients. Such arrangements are
documented and disclosed to the affected client. Upon expiration of any promotional or modified
fee arrangement, the client's subscription reverts to the standard fee schedule unless the client
affirmatively selects a different tier. The Adviser provides no less than thirty (30) days' written
notice prior to any change in a client's fee arrangement.

Third-party institutions, including but not limited to universities, financial institutions, employers,
municipalities, and nonprofit organizations, may subsidize or pay for client access to the
Adviser's advisory services in whole or in part. Under these arrangements, clients may receive
reduced-fee or no-cost access to advisory services. The specific terms of any such subsidized
...

Item 7. Account Requirements and Types of Clients

Financial Planning and Investment Advisory Services (Tier 1)

Our financial planning and investment advisory services are available to individuals who meet
the following requirements:
         • Minimum age of 18 years
         • Valid email address
         • Internet access
         • No geographic or residency restrictions

Portfolio Management and Trade Execution Services (Tier 2)

Portfolio management and trade execution services are limited to individuals who meet ALL of
the following criteria:
         • Minimum age of 18 years
         • U.S. residency with valid Social Security Number
         • Ability to pass Interactive Brokers’ KYC/AML verification requirements
         • Ability to accept electronic delivery of all documents and communications

Note: Eligibility for portfolio management services is determined by Interactive Brokers’ account
opening requirements, which may include restrictions based on residency status, citizenship, tax
status, and other factors. We do not impose additional restrictions beyond those required by our
custodian.

Account Types We Accept
We currently provide services only to individual taxable accounts and joint accounts (where
permitted by Interactive Brokers).

Account Types We Cannot Accept
We do not currently support: ERISA-governed accounts, retirement accounts (401(k), IRA, etc.),
trust accounts, corporate or business accounts, or custodial accounts for minors.

Technology Requirements
All clients must have a reliable internet connection, compatible web browser or mobile device,
and the ability to receive and review electronic documents.